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Take charge of your money on payday with two linked accounts to help you budget

Opening a Complete Freedom everyday account and Incentive Saver account together helps you pay bills automatically, save regularly and know what’s left to spend
Get paid into your Complete Freedom account with no account-keeping fee
Help track your spending habits with Spend Tracker and automate your bill payments to save time and avoid hassle
Grow your savings each month and we’ll reward your dedication with bonus interest. You can also set up a regular savings plan in online banking

Online offer for new customers

5.25 % P.A.

Total variable rate with online offer

Earn up to 5.25% p.a. with a variable base rate of 1.85% p.a., a variable bonus* rate of 3.30% p.a., and an extra 0.10% p.a. to your variable bonus rate for the first 3 months when you open online. New customers only on balances remaining below $250,000. After 3 months the total variable rate will apply.

*Grow your account balance by at least $50 a month (for customers 21 or over) or $0.01 a month (for customers under 21), excluding interest paid, ensuring your account balance remains between $0 - $249,999.99.

Online bonus offer available for a limited time only. Excludes joint accounts. Offer may be varied or withdrawn at any time.

Open now

What you get

Visa debit card

Access your everyday account wherever Visa is accepted (if you’re 12 or 13, you can request a Freedom card in branch)1

Internet banking

Manage your money online wherever you are, whatever you're doing

Automatic transfers

Set up monthly deposits from your everyday account into your savings account via online banking

Spend tracker

All your transactions grouped into categories, to help your track your spending habits

Card Lock

Misplaced your Visa debit card? Temporarily lock your card for up to 15 days while you look for it

Fees you might pay

Complete Freedom

  • $0.00 Account-keeping fee
  • $5.00 Overseas withdrawal fee ($0 when you use our Global Alliance ATM )
  • 3.0% Foreign currency conversion
  • Free Periodical payment
  • $0.00 Frequent statement (request statement outside of cycle)

Incentive Saver

  • Free Account-keeping fee
  • $5.00 Overseas withdrawal fee ($0 when you use our Global Alliance ATM )
  • 3.0% Foreign currency conversion
  • Free Periodical payment
  • Free Frequent statement (request statement outside of cycle)

In detail

Before making a decision, please read the terms and conditions and ensure you're aware of all fees and charges

How to open accounts with us

Read both the terms and conditions, and fees above
Have your ID and Tax File Number details
Select yes on the form to add a transaction account
1.To be eligible for a Visa Debit Card, you must have an Australian residential address and be 14 years old or over. If you’re 12 or 13 years old and have an Australian residential address, you can request a Freedom Card in branch.

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